2003 Honda Odyssey Car Insurance Cost – 7 Policy Discounts

Trying to find cheaper insurance rates for your Honda Odyssey? No one enjoys paying for insurance, especially when they could get a better deal.

Big companies like State Farm, Allstate, Geico and Progressive constantly blast consumers with advertising and it is challenging if not impossible to ignore the propoganda and take the time to shop coverage around.

The easiest way to compare rate quotes is to know the fact auto insurance companies will pay a fee to give you rate quotes. To get started, all you need to do is give them some information including if you went to college, whether or not you need a SR-22, your job, and marital status. That rating data is submitted instantly to insurance companies and they respond with quotes quickly.

To start a rate quote now, click here and enter your coverage details.

Lower rate quotes with these seven discounts

Some insurance providers don’t list their entire list of discounts very clearly, so the following is a list of some of the best known as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

  • Drive Safe and Save – Accident-free drivers may save up to 50% more for Odyssey insurance than less cautious drivers.
  • Senior Citizens – Older drivers may be able to get a discount up to 10% for Odyssey insurance.
  • Defensive Driver – Taking part in a course teaching driver safety skills is a good idea and can lower rates and easily recoup the cost of the course.
  • Club Memberships – Having an affiliation with qualifying employment or professional organizations may earn a discount on your policy.
  • Discount for Multiple Policies – If you can combine your auto and home policy with the same insurance company they may give you a discount of as much as 10 to 15 percent.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Good Students Pay Less – Being a good student can earn a discount of 20% or more. This discount can apply up to age 25.

Discounts save money, but please remember that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, you aren’t that lucky. Any qualifying discounts will help lower your car insurance premiums.

Car insurance companies that may have these discounts are:

Before buying, ask all companies you are considering which credits you are entitled to. Savings might not be offered on policies in your area. To view providers with discount car insurance rates, click here.

What is the best insurance coverage coverage?

When it comes to buying coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out if your situation might need professional guidance.

  • Is my 2003 Honda Odyssey covered for flood damage?
  • What happens if I owe more than my 2003 Honda Odyssey is worth?
  • Does coverage extend to my business vehicle?
  • Am I covered if I break a side mirror?
  • When can my company non-renew my policy?
  • Does my 2003 Honda Odyssey qualify for pleasure use?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance policy coverages for a Honda Odyssey

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverage types found on most car insurance policies.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Honda Odyssey.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision – This coverage covers damage to your Odyssey caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverage – Liability insurance can cover damage that occurs to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as emergency aid, repair bills for other people’s vehicles, structural damage, loss of income and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive protection – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, damage from flooding, a tree branch falling on your vehicle, fire damage and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage – Med pay and PIP coverage provide coverage for short-term medical expenses for things like doctor visits, dental work, pain medications, hospital visits and prosthetic devices. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

What is YOUR best insurance company?

Discount 2003 Honda Odyssey insurance can be bought from both online companies as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not offer rate quotes online and usually these small insurance companies sell through independent insurance agencies.

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. In too many instances, an insured cut uninsured motorist or liability limits only to regret that the savings was not a smart move. Your focus should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

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